Notes

2023

2022

Income

Interest income from financial instruments measured at AC

457,008

335,256

Interest income from financial instruments measured at FVPL

75,509

15,828

Interest expenses from financial instruments measured at AC

-170,269

-128,850

Interest expenses from financial instruments measured at FVPL

-140,756

12,707

Interest expenses on leases

-122

-139

Net interest income

(21)

221,370

234,802

Dividend Income

(22)

34,481

41,423

Results from equity Investments

934

78

Share in the result of subsidiaries

(E)

-3,657

894

Share in the result of associates

(10)

26,065

-58,597

Total results from equity Investments, subsidiaries and associates

57,823

-16,202

Fee and commission income

7,737

10,912

Fee and commission expense

-14,202

-12,809

Net fee and commission income

(24)

-6,465

-1,897

Results from financial transactions

(G)

-29,291

29,817

Remuneration for services rendered

(26)

28,878

30,518

Gains and losses due to recognition

(27)

2,464

299

Other operating income

(28)

79

-

Total other income

2,130

60,634

Total income

274,858

277,337

Operating expenses

Staff costs

(29)

-125,278

-106,674

Administrative expenses

(30)

-39,618

-31,887

Depreciation and impairment of fixed assets

(11), (12)

-9,628

-11,448

Other operating expenses

-774

-509

Total operating expenses

-175,298

-150,518

Impairments on

Interest-bearing instruments

(5)

-8

-34

Loans

(7),(8)

-38,622

-126,634

Loan commitments

(34)

-1,259

-5,262

Guarantees issued

(34)

243

-10,853

Total impairments

-39,646

-142,783

Profit/(loss) before taxation

59,913

-15,964

Income tax

(31)

5,008

17,022

Net profit/(loss)

64,922

1,058